Charles Brown Jr. is a CFP®-designated financial advisor with 19 years of industry experience, currently with Raymond James & Associates. He previously worked at City National Securities and USAA Financial Advisors Inc. Outside of his advisory role, he is the Owner and CEO of C. Brown Properties LLC, a company involved in acquiring and managing rental properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Alex Gitelson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, City National Bank, and other firms. Outside of financial services, he is the owner of ORQID MANAGEMENT LLC, a holding company for proprietary AI software he developed with a partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Giancarla Ferrara is a financial advisor at LPL Financial with 20 years of industry experience. She holds the Series 66 designation and has worked at notable firms including Morgan Stanley, UBS Financial Services, JP Morgan Chase, and RBC Capital Markets. Giancarla is based in Del Mar, CA. LPL Financial is a national firm serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified and alternative investment strategies.

Paul Peters is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 44 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1995 and leads Peters Insurance Services Inc., which he has operated since 1981. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management strategies supported by research from LPL Research and third-party subadvisors.

Shayne Gabris is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked at firms including Charles Schwab, TD Ameritrade, and SagePoint Financial. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its model portfolios, which include mutual funds, ETFs, and ETPs. The firm also engages in fund advisory and serves as a registered commodity pool operator.

Gregg Himfar is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at Investacorp Advisory Services Inc and Prudential Investment Management Service. His outside business activities include acting as a non-variable insurance agent. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

Darren Poland is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Lucia Securities, VO Engineering, Trinity Geotechnical Engineering, and San Diego State University. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of advisers. The firm offers financial planning, various advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research.

Ian Lucas is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 designation and 18 years of industry experience. He previously worked at Graham Investment Management, Inc. for 13 years and has been involved with Vx Logistics LLC since 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Ryan Wetsel is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2009 and specializes in assisting clients with commercial banking and financing strategies, managing concentrated stock positions, and navigating significant transition events such as retirement, inheritance, or the sale of a business. Before joining Merrill Lynch, Ryan gained experience working with Welfare Strategies in Adelaide, Australia, where he helped business owners establish corporate benefit programs. He also contributed to quality control and accounting standards efforts at the American Standard plant in China. Ryan holds a Bachelor of Science degree in Economics and Business from Westmont College in Santa Barbara. He has spent considerable time studying International Business across Europe, Asia, New Zealand, and South Africa. Ryan resides in Del Mar with his three children.

Jonathan Luevanos is a CFP® professional with 17 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he owns and manages High Country Thoroughbreds, a thoroughbred horse business based in San Diego. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Zhi Hu is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the CFP®, ChFC®, and Series 66 credentials. His prior work history includes roles at JP Morgan Securities LLC and JP Morgan Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Scott Hemerick is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Andrew Meram is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop holistic financial plans aimed at addressing key risks. His approach involves a four-step process that includes understanding clients' priorities, conducting a diagnostic analysis of their current financial situation, and providing clear recommendations without jargon. Andrew's experience at Fidelity Investments includes roles as Investment Consultant from 2022 to 2024, Relationship Manager from 2021 to 2022, and Financial Representative in 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys boating and spending time with his family.

Gloria Ruuspakka is a financial advisor with LPL Financial holding a Series 65 credential and three years of industry experience. She has previously worked with Carson Wealth/Cetera Advisor Networks and was involved with One Extraordinary Marriage before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services supported by various research resources and technology solutions.

Jill Connelly is a financial advisor at Stifel with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Stifel Nicolaus & Co. since 2008. Stifel serves a wide range of clients including individuals, institutional clients, charitable organizations, and municipal entities. The firm offers brokerage and investment advisory services supported by a proprietary investment strategy developed by its Investment Strategy Group.

John Gilroy III is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. He also serves as a trustee for a family trust in Solana Beach, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Michael Hayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Girard Securities before joining Cetera Wealth Services in 2017, continuing with Cetera since 2023. Outside of advising, he is involved in fixed insurance sales and owns businesses in real estate and financial services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting diverse investment strategies and programs.

Jason Rudolph is a financial advisor at Stifel with 22 years of industry experience. He holds a Series 66 designation and has worked at Stifel since 2016, following a brief tenure at Morgan Stanley Private Bank. Outside of advising, Rudolph co-owns and operates a vending machine business with his wife. Stifel serves a diverse client base, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment guidance is based on proprietary methodologies developed by its Investment Strategy Group, supporting client decisions with forward-looking capital market assumptions and probabilistic modeling.

Zachary Lefever is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses. His background includes roles at Fidelity Investments as well as positions in various other organizations and community activities, including a role with Semester at Sea. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Aaron Bray is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. His career includes 17 years at TD Ameritrade and its investment management affiliate before joining Charles Schwab in 2022. Outside of his advisory role, he owns a rental property managed by a third party. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, offering both non-discretionary and discretionary investment options supported by centralized custody and integrated operational services.